Does Anyone Think Their Credit Cards Are Secure?

Identity Theft

Does Anyone Think Their Credit Cards Are Secure?

Does Anyone Think Their Credit Cards Are Secure?

Consumers are less and less confident about using their credit cards to pay for things ever since some major retailers like Target reported security breaches, according to Retail Solutions Online. Even so, many consumers are still paying with their credit cards. A survey conducted by Balance Innovations found 59% of respondents haven’t made any changes to... Read More

The Most Debt-Free States in America

Managing Debt

The Most Debt-Free States in America

The Most Debt-Free States in America

Credit card spending typically spikes in the fourth quarter, and 2013 was no different, but it seems Americans were a little more conservative with their credit card spending than they were at the end of 2012. The average balance per cardholder declined in nearly every state, according to fourth-quarter data from the past two years.... Read More

Can Your Commute Impact Your Mortgage?

Mortgages

Can Your Commute Impact Your Mortgage?

Can Your Commute Impact Your Mortgage?

It’s the cornerstone cliché of the real estate business: Location, location, location. Most homebuyers make it past the banality to implicitly understand they may pay a premium based on a property’s location. But few prospective borrowers consider a more subtle way location could crimp their budget and possibly their purchasing power – commuting costs. Some... Read More

Why You Can’t Hide From Debt Collectors

Managing Debt

Why You Can’t Hide From Debt Collectors

Why You Can’t Hide From Debt Collectors

I haven’t talked to my former roommate Patti in years. But it only took Bill Bartmann, a veteran of the debt collection industry, minutes to pull up her name and the address of the house we shared in the early 1990s. Less than a day after I asked Bartmann to see what he could find... Read More

When Your Identity Thief Is… Mom

Identity Theft

When Your Identity Thief Is… Mom

When Your Identity Thief Is… Mom

Most people assume identity thieves are super-sophisticated hackers sitting in front of banks of blinking computer screens. The more vigilant among us might be shredding every document in sight, jealously guarding sensitive information from unknown callers or online “frenemies” and installing the most sophisticated firewalls and security software on our mobile devices and computers. But... Read More

Debts You Don’t Owe Top Collector Complaints

Managing Debt

Debts You Don’t Owe Top Collector Complaints

Debts You Don’t Owe Top Collector Complaints

Americans are tired of being hounded for debts they don’t owe (or at least debts they don’t think they owe), according to a new report from the Consumer Financial Protection Bureau. Some of the other complaints involve debt collectors using abusive language and threatening arrest for unpaid bills. The aggressive communication tactics and threats sound bad enough... Read More

Does Getting Rejected Hurt Your Credit?

Credit Score

Does Getting Rejected Hurt Your Credit?

Does Getting Rejected Hurt Your Credit?

No matter how much of a glass-half-full person you are, rejection is an unpleasant experience. You’ve made yourself vulnerable by asking for something, so hearing “no” can easily break your spirit. It doesn’t need to be that way. How Your Credit Handles Rejection When you apply for a loan or credit card, whether you’re approved... Read More

Will You Ever Be Able to Save Enough for Retirement?

Personal Finance

Will You Ever Be Able to Save Enough for Retirement?

Will You Ever Be Able to Save Enough for Retirement?

With the stock market still in roller coaster mode and more and more companies reducing or eliminating retirement benefits, many people—from Boomers and Generation Xers to savvy Millennials—are facing the fact that they need to seize control of their retirement financial plan. And they need to do it sooner rather than later. Boomers in particular... Read More

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The Credit.com editorial team is committed to providing our readers and viewers with sound, well-reported and understandable information designed to inform and empower. We won’t tell you what to do. We will, however, do our best to explain the consequences of various actions, thereby arming you with the information you need to make decisions that are in your best interests. We also write about things relating to money and finance we think are interesting and want to share.

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